Bill Morgan Reveals the Advantages of XRP as a Bridge Currency Over Stablecoins

Updated

September 1, 2025

Gambar Bill Morgan Reveals the Advantages of XRP as a Bridge Currency Over Stablecoins

Jakarta, Pintu News – In the ever-evolving world of digital finance, the debate over the most effective currency for cross-border transactions is becoming increasingly relevant.

Bill Morgan, a prominent analyst, recently highlighted the weaknesses of stablecoins such as RLUSD and Tether , while praising Ripple as a superior bridge currency.

According to him, XRP offers speed, decentralization, and neutrality that no stablecoin can match. Check out the full information in this article!

Stablecoin Weaknesses

Morgan emphasized that stablecoins are dependent on third parties to maintain their value. This is a fact that is rarely discussed, but it’s crucial because stablecoins like Tether (USDT) can be minted as needed, making them unlimited.

In addition, stablecoins are tied to fiat currencies like the US dollar, whose purchasing value is constantly decreasing due to inflation. Stablecoins are also not considered ideal as treasury assets because they are tied to national monetary policies that can vary.

Morgan added that in a global context, the use of a currency tied to a single country is not effective. Therefore, the need for a neutral, untethered bridge currency is crucial.

XRP as Bridge Currency Leader

Stablecoins such as RLUSD and USDT have several disadvantages compared to a bridge currency such as XRP:

1. There is a counterparty.
2. No one mentions it, but they are not finite. Tether for example is minted at will;
3. They are tied to fiat such as the USD. That is hardly a…
— bill morgan (@Belisarius2020) August 30, 2025

David Schwartz, Chief Technology Officer at Ripple, has stated that the use of Ripple (XRP) as a bridge in Ripple payments greatly outperforms other assets.

While stablecoins have their uses as collateral or for specific use cases, Ripple (XRP) and other top-tier digital assets are generally better for most purposes.

The increase in real financial usage of the Ripple Ledger (XRPL) is expected to increase the utility and value of Ripple (XRP). This demonstrates the immense potential of Ripple (XRP) as a fast and efficient global transfer tool, supporting the overall growth of the digital economy.

Stablecoin growth could boost XRP

According to Jake Claver, an industry expert, with trillions of dollars held in Nostro and Vostro accounts, major banks will likely avoid using stablecoins from competitors.

This further strengthens Ripple’s (XRP) role as a neutral bridge currency. On the other hand, Jack McDonald, Ripple’s Senior Vice President for stablecoins, highlighted that RLUSD is increasingly integrating with traditional finance.

RLUSD is not only used as collateral but also enables cross-border settlements and now facilitates IPO payments. This shows that while the stablecoin market continues to grow, the speed and decentralization of Ripple (XRP) remains unmatched.

Conclusion

With the various advantages offered by Ripple (XRP) as a bridge currency, as well as the limitations that stablecoins have, it is clear that Ripple (XRP) has great potential to become the first choice in global financial transactions. Its speed, decentralization, and neutrality make Ripple (XRP) a valuable asset in today’s digital finance ecosystem.

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